无论是在国内商贸往来过程中，还是外贸企业和其他国家用户相关业务往来过程中多会涉及到欠款问题，只要企业运营，这种问题就无法规避，因此催款也成为了外贸企业必须关注的要点之一。
Some foreign trade enterprises demand money in a simple and crude manner. Although this method can effectively recover arrears, it is very likely that old customers will be lost because of this reason, and any business will have a problem of capital flow in the course of operation. As a result, a long period of arrears occurs in business transactions. If a foreign trade enterprise calls for money in the same way for any customer, the loss of a high quality customer with high loyalty will outweigh the loss. Therefore, we should pay attention to the problem of risk rating evaluation in the process of payment.
部分外贸企业催款方式简单粗暴，固然这样的做法能够有效追回欠款，但很有可能因为这种原因而丢失老客户，任何一个商家在经营过程中都会出现资金周转不灵问题，因此在业务往来中欠款周期较长时有发生，如果外贸企业催款过程中，对于任何客户都以同样方式催款，一旦丢失忠诚性较高的优质客户，则得不偿失，因此在催款过程中要关注到欠款用户风险等级评估问题。
美国克罗格集团之所以在世界范围内都拥有着较高的知名度，正是因为该公司产品销售过程中绝大多数销售份额都依赖于老客户 ，该公司的老客户流失量是行业中最低的，当然像这样的一家大型企业，在经营过程中也会应对催款问题，该公司之所以在催款时既能够保证催款成功概率，又能够做到不流失老客户，就是因为关注欠款用户风险等级评估。
In the process of assessing the risk grade of customer arrears, Kroger Group pays full attention to the classification of various categories according to the different categories of user arrears and the actual situation of the users, and divides the payment into dead accounts, bad debts, quasi-bad debts, etc. According to the different types of payment, different collection methods are adopted.
克罗格集团在用户欠款风险等级评估过程之中，充分关注到了根据用户欠款类别不同,用户实际情况等进行多种不同类别的划分，将货款分为死账，呆账，准呆账，催收款以及未收款等几大类别，根据其货款类别不同而采用不同的催收方式。
For example, in the category of prompt collection and non-collection, they are treated differently on the basis of the credibility of the users of the products and their current trends in the industry. For some users with great potential in the industry, the reminder treaty is relaxed, some in arrears have been in arrears for more than a year, and another group of those who have received preferential treatment are those with strong inherent assets. The reason why this part of the user will encounter the problem of arrears is that in the course of complicated financial transactions, the company has problems with payment in the upstream supply chain because of a problem in a certain chain. This type of company is not without money, just because it is constrained by other chains, and Kroger has also chosen to relax the call time for this type of company, usually for more than a year.
In the course of promotion, the amount and strength of the demand will be increased in order to recover all the arrears owed before the company goes bankrupt, and there will be more manpower and material resources invested in the recovery process. To ensure that the repayment of time, in addition to the quasi-bad debts and bad debts increased demand, in order to ensure that users do not lose face, one to two months to recover the arrears.
例如在催收款以及未收款这一范畴之中，会根据购买产品用户的信誉度以及其目前在行业中的发展趋势不同而区别对待，对于一些在行业中具有巨大潜力的用户则放宽催款条约，部分欠款用户欠款时长甚至超过一年，另外一批得到厚待的用户为固有资产资本雄厚的用户，这一部分用户之所以会遇到欠款问题，是因为在庞杂的资金业务往来过程之中，由于某一链条出现问题而导致公司在上游供应链条付款出现问题，这一类型公司并不是没有资金可用，只是因为被其他链条所牵制，对于这一类型公司克罗格也选择了放宽催款时间，通常催款时间会超过一年。
推广过程之中，对于准呆账以及死账，则会增加催款额度以及力度，力求在该公司破产之前将所欠欠款全部追讨回来，在追款过程之中有更多人力物力投入其中，以确保还款时效,此外对于准呆账以及呆账增加催讨力度，在保证用户不丢颜面的前提之下，一至两个月之间将欠款追讨回来。
从克罗格公司这样的催款方式可以看出，之所以该公司能够在国际商贸领域中处于翘楚地位绝非偶然，这家公司充分关注到了留住老客户问题，对于具有发展前景，能够促进企业产品销售的老客户宽容对待，给这样的客户留出了足够的时间，也正是因为这种原因，该企业客户忠诚度非常高，行业领域之中克罗格公司一家独大，由此可见催款方式对于一家企业的长期运营影响很大，外贸企业必须要关注到这些问题，并在应对这一类型问题时妥善对待，做好客户风险等级评估，找到针对性解决方式。
